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Owner finance

$399,000

218 Schooner Ln

Duck Key, FL 33050

Listed by

Joseph Suarez, Trustpoint Realty, LLC · (305) 300-2804

What the listing says

Rare oversized lot in the heart of Duck Key: 12,099 SF, a lot and a half, well above the typical 7,500 to 7,800 SF lots found throughout the island. The property offers 128' of frontage with a 100' lot depth, exceptional dimensions for a custom island retreat. The lot sits in a favorable flood zone, has no wetlands, and is free of invasive plant species, a clean canvas ready for design. Public sewer is available; no plans or ROGO permit convey with the sale, so buyer to verify with the county. Three houses down, new construction on a 7,500 SF lot recently sold for $2,000,000, underscoring the upside on a lot nearly double the size. Owner will consider owner financing with a minimum 50% down payment. Duck Key delivers the authentic Keys lifestyle: crystal clear waters, easy access to deep drops just outside the island for world-class deep sea fishing, and nearby sandbars like Grassy Key for weekend gatherings. The island is home to a Michelin-rated chef's restaurant, and an optional HOA offers a pool, tennis courts, and additional amenities. Duck Key also has a marina where owners can arrange paid boat storage ahead of storms or hurricanes. Unlike much of the Keys, Duck Key enforces monthly rather than weekly rental minimums, preserving a quieter, more residential feel with less transient tourism, the calm, tropical, island-style living Duck Key is known for. 2025 property taxes were $1,388, which does not reflect any exemptions.

See the original listing ↗

This listing mentions owner financing. Terms are set by each seller and are negotiable. The description and numbers come from the listing and Zillow; confirm availability, the price and any financing with the seller or their agent.

Property Details

Property Type

Land

Lot Size

12,197 sq ft

HOA

None

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Questions about owner financing in Duck Key

What is owner financing for 218 Schooner Ln?

Owner financing means the seller of 218 Schooner Ln acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. The listing for this Duck Key, FL home mentions owner financing; confirm it with the seller.

Do I need good credit for owner financing?

There's no bank approval, but each seller sets their own requirements. Some check credit, income or references; others don't. Ask the seller or their agent what they need.

How much is the down payment for this Duck Key home?

There is no standard down payment. The seller of this Duck Key home sets their own, and it is negotiable. Ask the seller or their agent.

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